Vermost Insurance Agency - October 2023

Check out our latest edition!


Whew! We certainly experienced a sigh of relief last month, didn't we? I'm referring to Hurricane Idelia, which, as we've discussed before, serves as a reminder that our good fortune can sometimes be someone else's misfortune. Fortunately, this time around, the hurricane veered toward a less densely populated area when it made landfall. However, for our friends in the Tampa Bay area, it brought about flooding issues with the combination of a very high tide and storm surge. The harrowing live reports from local news stations showcasing the rescue efforts during the storm were truly heart-wrenching. It's a stark reminder of the importance of adhering to mandatory evacuation orders when they are issued. We extend our heartfelt gratitude to all the first responders who selflessly faced these adverse conditions to bring those in need to safety. While the early damage assessments are still rolling in, it's safe to say that the financial impact will be staggering, likely reaching into the billions, possibly exceeding $10 billion. It's worth keeping an eye on how this will affect the insurance industry, particularly here in Florida. Notably, during the time frame of June 10-19, 2023, more than 1,000 reports of hail and damaging winds occurred across 25 states. Additionally, there were 93 reports of tornadoes during that period, with two confirmed EF-3 tornadoes touching down in Texas and Mississippi (as reported in National Underwriter, August 2023). It appears that the insurance industry is grappling with a series of challenges that just won't let up. The repercussions are felt by all of us in terms of increased premiums, limitations on policy availability, and even job losses within the industry. This period of uncertainty is set to persist for some time. We must

VOL 15, ISSUE 11

Be Prepared Before Challenging Weather Hits Page 1 Soccer's Wild Past: Rules That Shocked the World Page 2 Renters Insurance: A Renter’s Safety Net for Life’s Unexpected Events Page 2 Kids in the Kitchen: Wholesome Family

Exploring the Henry Ford Museum

remember that we are not yet out of the woods in this hurricane season. If Florida faces another hit this year, the consequences for premiums and the number of available carriers could be dire. In light of this, we urge you to ensure your policy is in force as soon as possible and have a well-thought-out evacuation plan in place. On a brighter note, football season is upon us once again, from high school to college and the pros. The Tampa Bay Buccaneers have recently announced that Baker Mayfield will be the starting quarterback for the opening game. However, I believe that as the season progresses, we might see Kyle Trask taking the helm in the huddle. His preseason performance has been quite promising, but Baker, with his experience and significant contract, rightfully earned the initial nod. Let's rally behind our Bucs, Bulls, and Gators as they embark on their journeys this season! Until next month,

Bonding Page 3

Referral Winner Page 4 Wacky October Holidays Page 5

Word Search Page 5

Jalapeño Popper Mac and Cheese Page 5 August Referrals and Puzzle Winner! Page 6


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Toll free (800) 828-2226 Fax (727) 577-4991

DON’T GET CAUGHT UNPROTECTED 3 Important Reasons for All Renters to Carry Renters Insurance Do you or a loved one live in a rented home or apartment? We find that many tenants often underestimate the importance of carrying renters insurance. In fact, studies show that as of 2020, only 57% of tenants in the U.S. carry renters insurance. Sometimes, individuals believe their landlord’s insurance policy will cover their belongings in the event of a disaster or theft, but this is a common misconception. Renters insurance is a crucial investment for renters because it offers financial protection and peace of mind. Here are a few ways renters insurance benefits tenants: Personal Property Protection Your landlord’s insurance policy typically covers the building and its structural elements but does not extend to your possessions. Imagine the devastating loss if a fire were to destroy your apartment or if a burglary occurred. Renters insurance ensures you can replace your furniture, electronics, clothing, and other valuables without a huge financial burden.

CRAZY SOCCER RULES OF THE PAST: HOW THE SPORT HAS EVOLVED OVER TIME Many consider soccer, or football for non-Americans, the most popular sport in the world. According to WorldAtlas, there are more than 3.5 billion soccer fans worldwide. It’s not surprising that soccer is so popular if you know the sport's history. While the game we know today originated in the 19th century, historical accounts show people played versions of soccer in ancient China, Greece, Rome, and South America. Because of soccer’s rich history, we’ve seen many rule changes since England founded the modern version of the sport. Here are some of the craziest soccer rules that would completely change the game if still in effect today. No Substitutions In today’s game, when a player gets tired, injured, or just isn’t playing well, the manager can replace the player with a substitute from the bench. This wasn’t always possible, however. Originally, substitutes were only acceptable when players didn’t show up for a game. Substitution rules differed depending on the league, but substitution wasn’t officially added to the Laws of the Game (the codified rules of association football) until 1958. Substitutes weren’t allowed in World Cup Finals matches for another 12 years. Golden Goal In most professional soccer leagues, when regular time ends in a draw, the two teams play for a set amount of time. If they’re still tied after that time is up, the game ends in a draw or goes to a penalty shootout. Before 2004, most professional leagues decided their games with a golden goal. Whoever scored first in extra time, won then and there. Fair Catch Everyone knows you should never use your hands while playing soccer unless you’re the goalie. In the early rules of soccer, outfielders could also catch balls out of the air. While they couldn’t throw the ball to a teammate, they could place it on the ground and kick it. This rule didn’t make it out of the 19th century.

Vermost Insurance Now has a relationship with Chuck Chucri, who offers financial planning and investment

Did You Know ...

advisory services!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886

As a parent, it can be incredibly challenging to nail down the perfect weeknight dinner menu that makes every hungry mouth in your home happy. This is especially true when you have picky little ones who demand waffles for dinner or dinosaur chicken nuggets seven nights a week. You may feel like your days as a short-order cook are endless, but we’re here to tell you about a simple trick to making healthier meals everyone in your family will enjoy. The trick is quite simple: Have your kids cook with you! Cooking with your kids has multiple benefits that stretch far beyond the kitchen table, but the immediate reward is that you won’t cook alone anymore! Next time dinner time rolls around, grab your little sous-chefs to lend a hand so they can enjoy these three benefits. No. 1: Cooking teaches life skills. It may seem far off, but one day, your child will have to cook for themselves and eventually their own children, too. By teaching them the basics of cooking now, you’re providing COOK WITH YOUR KIDS TO MAKE MEALTIME MEANINGFUL!

Liability Coverage Accidents happen! You could be held responsible if someone is injured while on your rented property. Renters insurance can cover medical expenses and legal fees if you are found liable for the injury. This liability protection saves you from a large expense and a potential lawsuit. Temporary Housing Assistance If your rented property ever became uninhabitable due to a covered event, such as a natural disaster or a fire, renters insurance can provide coverage for temporary housing. This ensures you have a place to stay while your apartment or rented house is being repaired or until you can secure a new one. Renters insurance is the best way for all tenants to be prepared for the unexpected. The right insurance policy can make a big difference! Vermost Insurance Agency offers free, comparative quotes on renters insurance from multiple insurance carriers. Call us today with your questions or to find out more — we are happy to secure a competitive rate for coverage that matches your individual needs.

them with a skill they’ll need to be capable adults. No. 2: Cooking creates an adventurous eater.

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Advisor The Prudential Insurance Company of America Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. 1 (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.

Imagine seeing something like asparagus or artichoke on the plate in front of you for the first time and being told you must eat that weird-looking thing. That’s how many children experience food for the first time, which can feel like a scary experience. Kids who help cook in the kitchen are much more likely to try new and adventurous foods because they’re exposed to them and other ingredients over a period of time. They touch, slice, smell, crush, and season the foods before they ever eat them. So, by the time it hits their plate, it’s not so scary! No. 3: Cooking promotes healthy development.

Time spent in the kitchen isn’t all about eating, either. While cooking, children stir, mix, measure, roll, squeeze, spread, observe, learn, and count. These activities all help

develop fine motor, hand- eye coordination, math, and science skills, not to mention creativity!


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Toll free (800) 828-2226

Fax (727) 577-4991




We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2022. When you refer someone to us, you receive rewards for each referral and are entered into monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winner of our 2022 referral program is Christine Taylor. She received a 55-inch 4K TV plus a $250 donation to charity of her choice. If you want a shot at the 2023 prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Christine Taylor is our 2022 referral winner of the 55-inch 4K TV plus a $250 donation to a charity of her choice.


• $5 Donation to our spotlight charity: H. Lee Moffit Cancer Center & Research Institute

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886


Wacky October Holidays

• Oct. 16—Global Cat Day • Oct. 17—National Mulligan Day • Oct. 18—National No Beard Day

• Oct. 1—National Pumpkin Spice Day • Oct. 2—National Smarties Day • Oct. 3—National Fruit at Work Day • Oct. 4—National Cinnamon Bun Day • Oct. 5—National Do Something Nice Day • Oct. 6—World Smile Day • Oct. 7—National Play Outside Day • Oct. 8—National Fluffernutter Day • Oct. 9—National Kick Butt Day • Oct. 10—National Walk to a Park Day • Oct. 11—National Bring Your Teddy Bear to Work/School Day

• Oct. 20—National Chicken and Waffles Day • Oct. 21—National Pumpkin Cheesecake Day • Oct. 22—National Make a Dog’s Day • Oct. 23—National Boston Cream Pie Day • Oct. 24—National Food Day • Oct. 25—National Greasy Foods Day • Oct. 26—National Pumpkin Day • Oct. 27—National Black Cat Day • Oct. 28—National Trick or Treat Day • Oct. 29—National Oatmeal Day • Oct. 30—National Candy Corn Day • Oct. 31—National Knock Knock Joke Day

• Oct. 12—National Farmer’s Day • Oct. 14—National Chess Day • Oct. 15—National Grouch Day




• 2 tsp garlic powder • 1/2 tsp pepper • 1 lb bacon, chopped and cooked • 8 jalapeños, seeded and chopped • 1 lb macaroni, cooked • 1 cup panko breadcrumbs

• 2 sticks butter, divided • 1/3 cup flour • 5 cups milk • 8 oz cream cheese • 3 cups shredded white cheddar cheese, divided • 4 cups shredded pepper jack cheese, divided • 2 tsp salt Directions 1. Preheat oven to 375 F.

2. In a large saucepan, melt 1 stick butter over medium heat. Add flour and whisk until fully absorbed in butter. Whisk in milk slowly. 3. Once sauce thickens, stir in cream cheese and shredded cheese until melted, reserving 1 cup of each shredded cheese. Add seasonings, bacon, and jalapeños before removing from heat, then combine pasta and sauce. 4. In a small skillet, melt remaining butter and stir in panko. 5. In a greased baking dish or skillet, add macaroni and top with panko and remaining cheese. Bake for 30–40 minutes and serve warm.

Vampire Werewolf Witch Zombie

Haunted Moon Raven Tricks

Candy Costume Gourds Halloween

You can fax, email, or mail your completed puzzle for a chance to win our monthly prize!

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Toll free (800) 828-2226

Fax (727) 577-4991


1200 Belcher Road South, Suite 1 Largo, FL 33771 (727) 748-2886


You Make Us Happy

We Insure More Than Just Cars and Homes Here's a list of some of our lines of protection:

Thank you for recently referring your friends, family, and coworkers to our agency. With your help, our Vermost Insurance family keeps growing. We hope our referral program makes you happy, too! People who referred clients to us in August:

› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builder's risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits

› Flood › General liability › Health › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public

Mary Rivera Charles Vaught

Joseph Mingo III Sandra Johnson Ibrahim Mohsen Tracey Payne Anthony Jenkins Louis Broyles III Thomas Taff Tony Volonino

Robert Brown Mindy Meader George Phinney Christopher Partenheimer Francis Conway Nite Owl Irrigation Elaine Cornillaud

August Puzzle Winner: This should have been you!

› Umbrella › Workers'

Tina Berger John Ruter Jane Pronovost Edward St Amant LLC

August Referral Winner: Elaine Cornillaud


Marta O'Brien Mike Granger

... and more!

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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886

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